Ten Tips for Handling Insurance Claim Denials with People’s Trust Insurance

When your property has been damaged, filing an insurance claim with People’s Trust Insurance should be a step toward relief. Unfortunately, it doesn’t always go as smoothly as expected. Many policyholders are shocked to receive a claim denial letter, leaving them uncertain and frustrated about what to do next.

But a denial is not the end of the road. People’s Trust Insurance—like all insurers—sometimes makes mistakes or misinterprets policies. Whether the denial is due to paperwork errors, lack of documentation, or unfair claim handling, there are steps you can take to reverse it.

In this guide, we’ll walk you through ten practical tips to help you handle a claim denial and fight for the benefits you deserve. And if you need help navigating this complex process, Louis Law Group is here to guide you.

Tip 1: Carefully Review the Denial Letter

The first thing you should do after receiving a denial is to carefully read the letter from People’s Trust Insurance. This document contains vital information that explains:

• Why they denied your claim
• Which policy terms or exclusions they cited
• Any next steps or appeal instructions

Don’t rush through this letter. Sit down in a quiet space, read it slowly, and highlight or underline key reasons. If the wording is confusing or full of legal jargon, don’t hesitate to get help interpreting it. Understanding their reasoning will shape how you respond.

If you are unsure about their decision, Louis Law Group can help review your denial letter and clarify the next steps.

Tip 2: Understand Your Policy Coverage and Exclusions

Insurance policies are packed with technical terms, but knowing what’s covered—and what’s excluded—can make a huge difference when appealing a denial.

Take time to:

• Read through your Declarations Page to confirm your policy limits.
• Review the Coverage Section to see if your type of loss (wind, water, fire, etc.) is covered.
• Examine the Exclusions Section to understand what isn’t covered.
• Check the Conditions Section, which outlines important deadlines and requirements you must meet.

By fully understanding your policy, you’ll be better prepared to challenge a denial that may be based on a misinterpretation of your coverage.

Tip 3: Collect and Organize All Relevant Documentation

One of the most effective ways to support your appeal is through solid documentation. If People’s Trust Insurance denied your claim due to “insufficient evidence,” this step is critical.

Gather and organize:

• Photos and videos of the damage
• Receipts and invoices for emergency repairs or temporary accommodations
• Estimates from licensed contractors
• Correspondence with People’s Trust Insurance adjusters and representatives
• A copy of your policy

Organized records show you’re serious about your claim and give you leverage when challenging the denial.

Tip 4: Take Clear Photos and Videos of the Damage

Photos and videos provide visual proof of your property’s damage and are a powerful tool when disputing a denial.

Here’s how to do it effectively:

• Take wide shots that show the entire damaged area (like a full room or exterior wall).
• Capture close-up shots that focus on specific damage (such as cracked foundations or water stains).
• Record videos to show the extent of damage from different angles.
• If you have before-and-after photos, include those to demonstrate how much your property’s condition changed.

These visuals help counter any claims by People’s Trust Insurance that the damage is minor or unrelated to the event in question.

Tip 5: Request a Detailed Explanation from People’s Trust Insurance

If the denial letter feels vague or incomplete, you have the right to ask for more information. Sometimes, insurance companies don’t give the full picture upfront.

Send a written request for:

• A clear explanation of the exact policy exclusions or conditions they are citing
• Copies of their internal reports, including inspection notes, adjuster summaries, and photos they used to assess your claim
• Information on what documents or additional evidence they need from you to reconsider the claim

This shows them you are proactive and serious about pursuing your rights.

Tip 6: File a Well-Prepared and Timely Appeal

Most insurance companies, including People’s Trust Insurance, offer an appeal process—but the window to appeal is limited. You need to act quickly and submit a detailed response.

When filing an appeal:

• Address each specific reason for denial mentioned in their letter.
• Provide new evidence, such as additional photos or expert reports from contractors or engineers.
• Write a professional and respectful appeal letter, focusing on the facts and why you believe their denial was in error.

A well-organized and timely appeal can often lead to a reconsideration of your claim.

Tip 7: Get a Second Opinion from an Independent or Public Adjuster

The insurance company’s adjuster works for them. An independent or public adjuster works for you.

Hiring a public adjuster can:

• Offer an unbiased assessment of the damage
• Provide an accurate repair estimate, often higher than the insurance company’s offer
• Help you negotiate with People’s Trust Insurance for a fair settlement

This levels the playing field and gives you an expert voice in the process.

Tip 8: Keep Detailed Records of Every Communication

Every time you talk to someone at People’s Trust Insurance, you need to document it. Why? Because accurate records can help hold them accountable.

Keep track of:

• Dates and times of phone calls or meetings
• Names and job titles of the people you spoke with
• Summaries of conversations, including any promises made

This documentation may be critical if you need to escalate your dispute or pursue legal action.

Tip 9: Be Cautious About Accepting Early Settlement Offers

Sometimes People’s Trust Insurance might offer you a quick settlement after denying your claim or during the appeal process. Be cautious!

Before accepting:

• Compare their offer with your repair estimates and total loss costs
• Make sure it covers all related expenses, including future repairs
• Understand that accepting a settlement may waive your right to further compensation

When in doubt, Louis Law Group can review the offer to ensure it’s fair and in your best interest.

Tip 10: Consult an Experienced Insurance Attorney

If People’s Trust Insurance continues to deny your claim unfairly or offers less than you’re owed, it may be time to get legal help.

An attorney can:

• Analyze your policy and claim denial for potential bad faith practices
• Handle negotiations and communications with the insurer
• File a lawsuit if necessary to recover what you deserve

Louis Law Group has extensive experience fighting denied claims and helping policyholders get fair settlements from People’s Trust Insurance.

How Louis Law Group Can Help

At Louis Law Group, we specialize in helping homeowners challenge denied claims with People’s Trust Insurance. Here’s what we offer:

• Free policy review and case consultation
• Assistance in gathering strong evidence for appeals
• Aggressive representation in negotiations or lawsuits if needed

We work on a contingency fee basis, so you only pay us if we recover money for you. If you feel overwhelmed by the claims process, we’re here to guide you and fight for your rights.

Frequently Asked Questions (FAQs)

1. Why did People’s Trust Insurance deny my claim?

Common reasons include policy exclusions, missing documentation, or late filing. Sometimes the denial may be based on a misinterpretation of the policy.

2. How long do I have to file an appeal?

Typically, you’ll have between 30 to 60 days to file an appeal. Check your denial letter for exact timeframes.

3. Can I get a public adjuster to help?

Yes! A public adjuster can give an independent damage estimate and advocate for you in discussions with the insurance company.

4. Does Louis Law Group charge upfront fees?

No. We only get paid if we successfully recover compensation for your claim.

5. Can I sue People’s Trust Insurance for denying my claim?

If they denied your claim in bad faith, you may have grounds for a lawsuit. Louis Law Group can evaluate your case and guide you on your legal options.

Conclusion

Dealing with a denied insurance claim from People’s Trust Insurance can be frustrating, but you don’t have to face it alone. By following these ten tips, you’ll strengthen your appeal and stand a better chance of receiving the compensation you deserve. And if you need help navigating the process, Louis Law Group is ready to fight on your behalf.

Are you prepared to challenge your denied claim and protect your rights?

Contact Louis Law Group today for a free consultation. Call 833-657-4812 or submit a free case evaluation form to get started. Don’t wait—let us help you take the first step toward justice and financial recovery.